Regular Savings Accounts: The Best Currently Available List!

allegro120

Bridlington1 said:

@Special_Saver2
I've found Gatehouse will allow you to hold both Issue 1 and 2 of their regular saver simultaneously, I'm pretty sure I can remember others reporting having opened and funded both too. I don't know if their systems were intentionally designed to allow this though (I suspect not but I agree their website isn't clear on this).

I can confirm this. I have both issues.

Pkman

Is principality first home steps online issue 1 and 2 tier interest rate now???

And issue 3 is not???

I have opened all 3, used to deposit maximum in issue 1 and 2 but have since withdraw most of the money. Due to EA rate dropping, I am thinking put the maximum into these 3 accounts but not if it is tier interest rate.

Bridlington1

Pkman said:

Is principality first home steps online issue 1 and 2 tier interest rate now???

And issue 3 is not???

I have opened all 3, used to deposit maximum in issue 1 and 2 but have since withdraw most of the money. Due to EA rate dropping, I am thinking put the maximum into these 3 accounts but not if it is tier interest rate.

They scrapped the tiered interest rate for Issues 1 and 2 around the time they launched Issue 3 (October 2023 IIRC). Both now pay a flat rate of 5.25% in line with Issue 3

Pkman

Thanks, do you still have that table of all RS you have with all the detail on it. I found that very helpful last time. If you can copy that on that would be much appreciated 

Bridlington1

Pkman said:

Thanks, do you still have that table of all RS you have with all the detail on it. I found that very helpful last time. If you can copy that on that would be much appreciated 

For ease of reference I've now included the NLA regular savers table on the Archived list of regular savers thread with those additions included. 

EDIT 4/12/24: As part of a restructuring of the Archived List of Regular Savers Thread I've pasted the list below

NLA Regular Saver Details
Bank/ building society -----------------------------	Name	Calendar/ Account month	Withdrawals/early closure	Interest ---------------	Fix / var ----	Min deposit --------	Max deposit -------------
Saffron BS	Members Month Loyalty Saver	C	1 withdrawal/mth	9.00%	F	£0	£50
Nationwide BS	Flex Regular Saver Issue 2	C	3 penalty free wdls/yr	8.00%	V	£0	£200
Monmouthshire BS	Exclusive Regular Saver	C	Unlimited	8.00%	V	£0	£300
Skipton BS	Members Branch Regular Saver	C	Early closure only	7.50%	F	£0	£250
Monmouthshire BS	Regular Saver Issue 2	C	Unlimited	7.00%	V	£0	£300
Coventry BS	Loyalty Regular Saver	A	30 day interest penalty	7.00%	V	£0	£250
Gatehouse	Regular Monthly Saver	C	None	7.00%	F	£0	£300
YBS	Loyalty Regular (e)Saver 2023	C	1 withdrawal/yr	7.00%	V	£0	£500
YBS	Limited Access Monthly Saver Issue 2/loyalty eSaver	C	1 withdrawal/yr	6.25%	V	£0	£500
Principality BS	Maturity Winter Regular Saver	C	Early closure only	6.25%	F	£0	£125
Tipton & Cosley BS	Regular Saver to 31 October 2024 app +branch/post	C	None unless 3 payments are missed (converts to EA)	6.20%	F	£50	£500
Mansfield BS	Kick Start Regular Savings (7th issue)	C	2 withdrawals/yr else 90 day interest hit	6.10%	F	£25	£250
YBS	Christmas 2024 Regular Savings Bond	C	1 withdrawal/yr	6.00%	V	£0	£150
Principality BS	2 Year Healthy Saver Bond	C	Early closure only	6.00%	F	£0	£50
Nottingham BS	UK Savings Week Regular Saver	C	None	6.00%	F	£0	£250
Furness BS	Christmas Regular Saver Issue 1	C	1 withdrawal/yr	6.00%	V	£1	£500
Beehive	UK Savings Week Regular Saver	C	None	6.00%	F	£0	£250
Beehive	Online Fixed Regular Saver	C	None (matures 31/7/24)	6.00%	F	£0	£250
Nottingham BS	Branch Fixed Regular Saver	C	None	6.00%	F	£0	£250
Tipton & Cosley BS	Regular Saver to 31 July 2024 branch+post/app version	C	None unless 3 payments are missed (converts to EA)	5.75%	V	£50	£500
Monmouthshire BS	Coronation Regular Saver	C	Unlimited	5.60%	V	£0	£300
Coventry BS	First Home Saver Issue 1	C	Unlimited	5.60%	V	£0	£1,000
Nationwide BS	Start to Save Issue 2	C	Unlimited	5.50%	V	£0	£50
Melton BS	Regular Saver 4	C	Unlimited	5.50%	V	£0	£150
Coventry BS	Regular Saver Issue 5	A	30 day interest penalty	5.50%	V	£0	£500
Principality BS	First Home Steps Issue 3	C	3 penalty free wdls/yr	5.25%	V	£0	£1,500
Principality BS	First Home Steps Issue 2	C	3 penalty free wdls/yr	5.25%	V	£0	£1,500
Principality BS	First Home Steps Online Issue 2	C	3 penalty free wdls/yr	5.25%	V	£0	£1,500
Principality BS	First Home Steps Online Issue 1	C	3 penalty free wdls/yr	5.25%	V	£0	£1,500
Principality BS	First Home Steps Issue 1	C	3 penalty free wdls/yr	5.25%	V	£0	£1,500
Chorley BS	Seasonal Saver (all issues)	C	None	5.15%	V	£0	£250
Kent Reliance BS	Regular Savings Issue 11	C	Unlimited	5.00%	V	£1	£500
West Brom BS	Adult's Fixed Rate Regular Saver Issue 6	C	None	5.00%	F	£0	£250
Melton BS	Regular Saver 3	C	Unlimited	5.00%	V	£0	£200
Nottingham BS	Starter ISA Issue 11	C	None, except transfers out s.t. 180 day interest hit	5.00%	V	£0	£1,600
Principality BS	Christmas 2023 Regular Savings Bond	C	Early closure only	5.00%	F	£0	£125
Mansfield BS	Regular Saver	C	Unlimited Subject to 30 day notice	4.50%	V	£10	£500
Nottingham BS	Summer Saver Issue 2	C	None (matures 31/8/24)	4.50%	F	£0	£500
Principality BS	Regular Savings Bond Issue 32	C	Early closure only	4.50%	F	£0	£250
Buckinghamshire BS	Regular Saver Locals	C	Unlimited	4.50%	V	£0	£500
Saffron BS	Regular Saver ISA	C	Unlimited	4.25%	F	£0	£1,650
Darlington BS	Green Regular Saver	C	Unlimited	4.20%	V	£0	£250
Darlington BS	Special Occasion Saver	C	Unlimited	4.20%	V	£0	£250
Darlington BS	High Days and Holiday Saver	C	Unlimited	4.15%	V	£0	£250
Principality BS	Regular Savings Bond Issue 31	C	Early closure only	4.00%	F	£0	£250
Monmouthshire BS	Regular Saver Bond Issue 8	C	None	3.75%	F	£0	£250
West Brom BS	Adult's Fixed Rate Regular Saver Issue 5	C	None	3.50%	F	£0	£250
Nottingham BS	Seasonal Saver Issue 5	C	None (matures 30/11/24)	3.50%	F	£0	£500
Principality BS	Regular Savings Bond Issue 30	C	Early closure only	3.25%	F	£0	£250
Principality BS	Regular Savings Bond Issue 29	C	Early closure only	2.80%	F	£0	£250
Melton BS	Jubilee Regular Saver	C	None (matures 31/7/24)	2.70%	F	£0	£250
Virgin Money	Home Buying Regular Saver Issue 18	C	Unlimited	2.25%	F	£0	£250
Principality BS	Regular Savings Bond Issue 28	C	Early closure only	2.25%	F	£0	£250
West Brom BS	Adult's Fixed Rate Regular Saver Issue 4	C	None	2.00%	F	£0	£250
Virgin Money	Home Buying Regular Saver Issue 12-17	C	Unlimited	1.75%	F	£0	£250

Gers

Re Gatehouse second RS - I have just opened one, funded it and got the 'thank you for your deposit' text.

Xenon

allegro120 said:

Bridlington1 said:

@Special_Saver2
I've found Gatehouse will allow you to hold both Issue 1 and 2 of their regular saver simultaneously, I'm pretty sure I can remember others reporting having opened and funded both too. I don't know if their systems were intentionally designed to allow this though (I suspect not but I agree their website isn't clear on this).

I can confirm this. I have both issues.

As do i - it is not a problem to have both

Hattie627

First Direct Regular Saver

My First Direct RS at 7% matures on 29 April.

I see that the account is still being offered at 7% fixed for a year, with monthly maximum pay in still at £300.

I have my fingers crossed that there won't be a change in the rate before I am  able to take out a new one next week. With the recent news that a drop in the base rate is further away than previously expected (I have heard November mentioned for the first drop) I am fairly optimistic.

allegro120

Hattie627 said:

First Direct Regular Saver

My First Direct RS at 7% matures on 29 April.

I see that the account is still being offered at 7% fixed for a year, with monthly maximum pay in still at £300.

I have my fingers crossed that there won't be a change in the rate before I am  able to take out a new one next week. With the recent news that a drop in the base rate is further away than previously expected (I have heard November mentioned for the first drop) I am fairly optimistic.

Mine matures on 3rd May. Considering it's Friday I probably won't be able to open the new one until 6th May, we'll see what happens.  I wouldn't worry about the allowance, I've been using this account since November 2010 and it always stayed firmly at £300 per month.  The rate can change at any time, but what I've noticed is that they don't change their rate frequently and it hardly ever goes uncompetitive.  

skitskut

allegro120 said:

Hattie627 said:

First Direct Regular Saver

My First Direct RS at 7% matures on 29 April.

I see that the account is still being offered at 7% fixed for a year, with monthly maximum pay in still at £300.

I have my fingers crossed that there won't be a change in the rate before I am  able to take out a new one next week. With the recent news that a drop in the base rate is further away than previously expected (I have heard November mentioned for the first drop) I am fairly optimistic.

Mine matures on 3rd May. Considering it's Friday I probably won't be able to open the new one until 6th May, we'll see what happens.  I wouldn't worry about the allowance, I've been using this account since November 2010 and it always stayed firmly at £300 per month.  The rate can change at any time, but what I've noticed is that they don't change their rate frequently and it hardly ever goes uncompetitive.  

Probably 7th as 6th May is bank holiday😄